Need advice on PPI reclaim. Have I been fobbed off!?

CZW14

Hi folks, I have just joined here as I need some advice.

I rang Britannia B/S at the end of last year to find out how I could claim back the PPI my hubby and I had back from 1993 onwards for our Mortgage. Very unhelpful! No forms, I just had to write a letter. So I did.

Four weeks later, I got a response from them saying firstly, I ticked the box for PPI, secondly it was too long ago, and thirdly they sighted some legal 'gumpf' that I had no I idea what they were going on about! So i left it.

But I have seen so many posts on Social Media about people claiming back that far, and people that had ticked a box, but it was still classed as mis-sold as it couldn't be proven otherwise . It's now coming to an end in a few months, and I can't help but wonder whether I have been fobbed off!

Should I use someone like Gladstone Brooks to fight my battle and if they win, lose a chunk of money to their fees, or fight it again myself. Or were Britannia right, and I don't have a leg to stand on, because I signed it and it's too old? What is this Resolver I've seen on here too?

Can anyone offer some advice please?

Thanks.

[Deleted User]

There's no off-fobbery. Their rejection reasons seem valid.

If you now use a claims company to repeat your complaint simply to receive the same answer in a new envelope, they'll charge you for wasting their time when they find out you've already complained. They also would never have fought your battle for you, because they don't know anything about you.

If you disagree with the decision, you can go to FOS. However, if it's more than 6 months ago, you're now out of time.

[Deleted User]

CZW14 wrote: »

Should I use someone like Gladstone Brooks to fight my battle and if they win, lose a chunk of money to their fees, or fight it again myself.

Neither.
Your complaint failed a year ago and any attempt by you to repeat your complaint now will just result in a terse repeat of your original rejection. If you attempt to employ a Claim Management Company without telling them you have previously complained, the likelihood is that they will charge a fee for wasting their time.

Finally, you had six months from your original rejection to refer your complaint to the Ombudsman. Why didn't you avail yourself of this service if you remained dissatisfied?

The only way in which the Bank will possibly agree to re-open your case is if you have compelling additional evidence not in your original complaint. It doesn't sound like you have anything like that.

Take consolation in the fact that most mortgage PPI complaints fail. These policies are still sold today and do not usually suffer from the same generic mis-selling as loan and credit card PPI did.

The_squirrell

Totally agree with the above from ZX81...sorry. As for the legal "gumph", well it's probably regulatory wording.

CZW14

Cheers guys.

I didn't query it previously because I just accepted what they told me, but I've recently got into a discussion with some friends and the subject arose due to some postings on Facebook. The comments coming back to me were saying I needed to query it as I was entitled...but as you say, if I was going to query it, then it should have been back then.
Thanks for the advice.

[Deleted User]

CZW14 wrote: »

I've recently got into a discussion with some friends and the subject arose due to some postings on Facebook.

There's a useful scientific methodology of assessing the validity of the information you see on Facebook, which you may find helpful.

If it's posted on Facebook...it's made up nonsense.

Hope that helps.

sourcrates

Do you think the Plevin ruling may apply to you ?

https://www.fca.org.uk/ppi/eligible-claim-commission?gclid=EAIaIQobChMI9fbLqOmE4wIVVZnVCh3_qgFbEAAYASAAEgJj6fD_BwE

If, it did apply, you may be able to argue that this is a fresh complaint.

The_squirrell

I think the major issue here may be the start date of 1993 and obviously depends when the mortgage redeemed. If a mortgage redeemed more than twelve years ago, then it is highly likely that the records have been erased or destroyed now. If the documents are not there, then there is very little you can do unless you have copies yourself. Britannia (CO-OP) said at the time that it was "too long ago" so I would think that this is likely

[Deleted User]

sourcrates wrote: »

Do you think the Plevin ruling may apply to you ?

Plevin rarely applies to mortgage PPI because the undisclosed commission did not reach the 50% tipping point. In addition the PPI finance would have to be still active post 2008.

Haven't you wrongly referred to this before, "soucrates"?

Clement1na

Whatever you do,do it quickly as some banks close your case after a certain time period.You should check this out.

[Deleted User]

Clement1na wrote: »

Whatever you do,do it quickly as some banks close your case after a certain time period.You should check this out.

Your case was closed because your complaint failed, not because of any time period. In this instance, the same is true.

Once complaints are rejected, there is no point attempting to have the case re-opened unless new and compelling evidence not in the original complaint has become available. The option to refer the case to the Ombudsman expires after six months and a final rejection by the Ombudsman exhausts the complaint process.

There really is no point you coming back to the forum intermittently and requiring this to be explained to you again and again.